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S. E. Investments LimitedInvestor Presentation
Q3 FY’ 12
Year- on - Year (Y-o-Y) ComparisonQ3 FY 11-12 Key Financial Highlights ( 9 months ended FY’12 vs 9 months
ended FY’11)
Business Update Investors Update – Jan 12
Q1’11 – Q3’11(April 11 - Dec 11)
Q1’ 10 – Q3’ 10 (April 10 - Dec 10)
Growth (%)
Net Revenue 1594.88 1334.34 19.53%
PBT 745.67 658.52 13.23%
PAT 531.12 527.91 0.61%
(Amt in Millions)
Quarter - on - Quarter ( Q - o - Q) Comparison)Q3 FY 11-12 Key Financial Highlights ( Q3 FY12 vs Q3 FY 11)
Q3 FY’12( Oct’11 - Dec’11)
Q3 FY’ 11( Oct’10 - Dec’10)
Growth (%)
Net Revenue 591.29 478.98 23.45%
PBT 261.71 258.10 1.40%
PAT 180.62 178.96 0.93%
(Amt in Millions)
As compared to 9 month period of FY’ 11 Income from Operations is increased by 19.53% at r 1594.88 millions.
As compared to 9 month period of FY’ 11 Profit Before Tax (PBT) is increased by 13.23 % at r745.67 millions.
As compared to 9 month period of FY’11 Profit After Tax (PAT) is increased by 0.61 % at r 531.12 millions.
Financial Highlights Investors Update – Jan 12
Net Revenue PBT PAT0
2000
4000
6000
8000
10000
12000
14000
16000
9MFY12
9MFY11
Operational Highlights Investors Update – Jan 12
Total Disbursement is at r 7816.49* millions increased by 4.5 % Total Customer Outreach at 301107
* Including Nupur Finvest Pvt. Ltd. Figures.
9M FY 11 9M FY 127300
7400
7500
7600
7700
7800
7900
Increased total member base to 301107* lacs
Revenue of r159.49 crores for 9M FY 12 ( up 19.53% YoY )
Revenue of r59.13 crores for Q3 FY 12 ( up 23.45% QoQ)
PBT of r74.51 crores for 9M FY 12 ( up 13.23% YoY )
PBT of r26.17 crores for Q3 FY 12 ( up 1.40% QoQ )
PAT of r53.11 crores for 9M FY 12 ( up 0.61% YoY )
PAT of r18.06 crores for Q3 FY 12 ( up 0.93% QoQ)
Networth of r408.02 crores as at December 31, 2011
Highlights – Q3 FY 12 Investors Update – Jan 12
SEIL methodology and process Investors Update – Jan 12
Focus on large clientele of small / medium business,
family run enterprises & traders
Transactions are based on qualitative & quantitative
assessments of the entity
Focus on credit history, local knowledge of operating
segments & understanding of the performance of the
entity
Pricing reflective of risk assessment of the client
Competitive fast & efficient decision making
Quick processing
Robust reminder & collection process
Client Acquisition
Assessment
FocusApproach
DeliveryProducts
Consolidated Income Statement Investors Update – Jan 12
Nupur Finvest Pvt. Ltd. ( NFPL) Investors Update – Jan 12
100 % owned by SEIL. RBI registered NBFC. Credit Rating of CARE A – (SO) [ Single A Minus ( Structured Obligation)
assigned by CARE Ltd. On 06.09.2011 to the Bank loan facility Total Disbursement for 9M FY 12 r1114.2 millions. Total Customer outreach at 112815 . Total Revenue for 9M FY 12 r 112.93 millions Total PBT for 9M FY 12 r245.72 millions Total PAT for 9M FY 12 r140.05 millions Net worth for 9M FY 12 r522.62 millions
At a Glance – Position of Nupur Finvest Pvt. Ltd. pursuant to main recommendations of Malegam Committee on Microfinance Investors Update – Jan 12
S.No
Particulars As per Sub-Committee Report
As per NUPUR FINVEST after changes made as per Malegam Report
Remarks
1. Criteria for NBFC-MFI
Holds not less than 90% of its total assets (other than cash, bank and money market instruments) in the form of Qualifying Assets.
Nupur Finvest Pvt. Ltd. Will be considered as NBFC - MFI. Having more than 90% qualifying assets.
Ok
2. Minimum Net Worth
R15 cr. Now the Net Worth has been raised to r52 cr. (as on date).
Ok
3. Interest Cap Max. 26% Existing is below 26% Ok
4. Loan Size Individual Loan – not to exceed r35,000 in first cycle and r50,000 in subsequent cycle. Aggregate of all outstanding loan - r50,000
Scheme modified, now the maximum amount of loan restricted to r50,000.
Ok
5. Purpose of loan Loans for income generation purpose is not less than 75% of total loans given by MFIs
For income generation purpose only.
Ok
6. Repayment Schedule
Weekly, Fortnightly, Monthly – choice is on the borrower.
Monthly Ok
Significant Highlights in Q3 FY 12 Investors Update – Jan 12
Rating Update [ Reaffirms the rating on 05.09.2011]
CARE Rating : Rated adequate safe ‘ CARE A’ for SEIL Fixed Deposit
Programme
: Rated adequate safe ‘ CARE A –’ for Bank Loan facilities
SEIL is registered with RBI, New Delhi as a deposit accepting NBFC
Expansion Policy
SEIL is expanding its domestic footprint in state like Gujarat and Andhra Pradesh.
Thank You Investors Update – Jan 12
Sunil Agarwal
Managing Director
Investor Relation Desk